topic Re: PenFed CLI $1,500 -&gt; $7,500 in Credit Card Approvalshttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667158#M611967
<BLOCKQUOTE><HR /><LI-USER login="KLEXH25" uid="1045603"></LI-USER>&nbsp;wrote:<BR />I feel ya! Both lenders have been stingy with me as well. My QS is bucketed so that’s getting the axe soon. I still love my Discover, but it’s like pulling teeth with them trying to get it to grow. Hopefully they’ll show me some love soon. Glad to both for giving me a chance though.<HR /></BLOCKQUOTE><P>It's true.&nbsp; They did give me a shot, and they did give me the boost to move on to bigger and better things.&nbsp; I'll remember them fondly, but reach out to them infrequently.&nbsp; :-P&nbsp; As a teacher, I'm familiar with giving people a fair shot and having them forget about me. lol&nbsp; But, they're banks.&nbsp; They don't give a toss if I fall off the face of the earth as long as I pay them.</P>Wed, 03 Jul 2019 03:20:09 GMTKreditwuerdig2019-07-03T03:20:09ZPenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667127#M611956
<P>It's been seven months since I joined PenFed.&nbsp; I had joined very fresh during the rebuild process.&nbsp; I took the plunge just now and requested a CLI on my PowerCash Visa, and they bumped me from $1,500 to $7,500, with instant approval and the option to do balance transfers. That's with a utilization of 11% across all cards, with 10% on the PenFed.&nbsp; <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />&nbsp; My first Visa SIGNATURE card!&nbsp; Woot!&nbsp;</P><P>&nbsp;</P><P>Grand total of unsecured credit as of July 2019:&nbsp; $31,300</P><P>&nbsp;</P><P>Started at $1,500 in November 2018.</P><P>&nbsp;</P><P>Current utilization:&nbsp; 11% (had to buy a new washer and dryer AND tires ugh)...</P><P>&nbsp;</P>Wed, 03 Jul 2019 02:44:40 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667127#M611956Kreditwuerdig2019-07-03T02:44:40ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667146#M611958
Congrats on a killer CLI!!Wed, 03 Jul 2019 03:01:38 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667146#M611958AnimalHouse1212019-07-03T03:01:38ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667149#M611961
Wow!!! Congratulations on that monster CLI! Enjoy!Wed, 03 Jul 2019 03:03:27 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667149#M611961KLEXH252019-07-03T03:03:27ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667154#M611964
<BLOCKQUOTE><HR /><LI-USER login="KLEXH25" uid="1045603"></LI-USER>&nbsp;wrote:<BR />Wow!!! Congratulations on that monster CLI! Enjoy!<HR /></BLOCKQUOTE><P>Thanks!&nbsp; I'm so disappointed with Disco and Capital One, though.&nbsp; I guess they really have tightened up.&nbsp; They refuse to budge.&nbsp; But, no biggie.&nbsp; Into the sock drawer they go!&nbsp; I travel quite a lot internationally, and good luck getting a Discover card accepted ... anywhere.&nbsp; Capital One doesn't charge foreign transaction fees, but they also don't do chip-and-pin, so yeah.&nbsp; Disco is now my Netflix card, and Capital One is my myfico card. lol</P>Wed, 03 Jul 2019 03:08:17 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667154#M611964Kreditwuerdig2019-07-03T03:08:17ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667156#M611965
I feel ya! Both lenders have been stingy with me as well. My QS is bucketed so that’s getting the axe soon. I still love my Discover, but it’s like pulling teeth with them trying to get it to grow. Hopefully they’ll show me some love soon. Glad to both for giving me a chance though.Wed, 03 Jul 2019 03:13:01 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667156#M611965KLEXH252019-07-03T03:13:01ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667158#M611967
<BLOCKQUOTE><HR /><LI-USER login="KLEXH25" uid="1045603"></LI-USER>&nbsp;wrote:<BR />I feel ya! Both lenders have been stingy with me as well. My QS is bucketed so that’s getting the axe soon. I still love my Discover, but it’s like pulling teeth with them trying to get it to grow. Hopefully they’ll show me some love soon. Glad to both for giving me a chance though.<HR /></BLOCKQUOTE><P>It's true.&nbsp; They did give me a shot, and they did give me the boost to move on to bigger and better things.&nbsp; I'll remember them fondly, but reach out to them infrequently.&nbsp; :-P&nbsp; As a teacher, I'm familiar with giving people a fair shot and having them forget about me. lol&nbsp; But, they're banks.&nbsp; They don't give a toss if I fall off the face of the earth as long as I pay them.</P>Wed, 03 Jul 2019 03:20:09 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667158#M611967Kreditwuerdig2019-07-03T03:20:09ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667174#M611973
<P>Congrats on the CLI!</P>Wed, 03 Jul 2019 03:39:39 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667174#M611973Hasselfree2019-07-03T03:39:39ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667203#M611981
<P>Congratulations on your CLI!!!</P>Wed, 03 Jul 2019 05:16:37 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667203#M611981tntcreditbuilder2019-07-03T05:16:37ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667212#M611983
<P>Congrats on your sweet 5X CLI!&nbsp;</P>Wed, 03 Jul 2019 05:59:52 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667212#M611983Steve8912019-07-03T05:59:52ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667237#M611993
<P>YOU...</P><P><IMG src="https://media0.giphy.com/media/l2Sqir5ZxfoS27EvS/200w.webp?cid=790b76115d0d6fd27848447649527117&amp;rid=200w.webp" border="0" alt="awesome congratulations GIF by Slanted Studios" /></P><P>CONGRATS&nbsp;<SPAN class="UserName lia-user-name lia-user-rank-Contributor lia-component-message-view-widget-author-username"><A href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1050191" target="_self"><SPAN class="login-bold">@Kreditwuerdig</SPAN></A></SPAN>&nbsp;on your <STRONG>5X</STRONG> PenFed&nbsp;<SPAN>PowerCash Visa CLI and the upgrade to Visa SIGNATURE!!!</SPAN>&nbsp;</P>Wed, 03 Jul 2019 07:57:17 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667237#M611993Marz20022019-07-03T07:57:17ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667263#M612016
<P>Congrats on the very nice CLI!</P>Wed, 03 Jul 2019 09:00:59 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667263#M612016ItsPossible2019-07-03T09:00:59ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667269#M612019
Great CLI from PenFed! I don’t want to rain on your parade but thought you might want to know before it’s too late that unless they’ve changed their policy PenFed will not upgrade a card to the Signature version when the CL reaches $5K. If you really want the Signature version you should call them and ask them to open a new card with the extra $6K they just gave you. I had a $ 2K Power Cash Rewards and got a CLI to $41K. I wasn’t really expecting that much of an increase. I had read here that they don’t upgrade to Signature so I asked the CSR about it and she checked with someone else and said it would upgrade. I double checked this site and many data points said no upgrades so I called back to double check and asked when they would be sending me the information on the upgraded benefits. They checked on it for me and came back and said they don’t actually upgrade to Signature version. So I asked and they allowed me to use the CLI amount to open a new card for $39K and keep the first one. So I have a Signature and non Signature version of the PCR’s Card. I wanted to let you know this because having the Signature version sounded important to you and I’m not sure if requesting a new card instead is time sensitive. I did not get a new HP to do this but YMMV. You would have to open a new account though so it probably will effect your score. Let us know what happens.Wed, 03 Jul 2019 10:04:45 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667269#M612019Hex2019-07-03T10:04:45ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667937#M612151
<P><FONT color="#000080">Nice Increase, Congrats!!</FONT></P><P><FONT color="#000080"><IMG src="https://i.imgur.com/FAZK7f8.gif" alt="" border="0" /></FONT></P>Wed, 03 Jul 2019 21:33:13 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5667937#M612151M_Smart0072019-07-03T21:33:13ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5688598#M615594
<BLOCKQUOTE><HR /><LI-USER login="Hex" uid="952869"></LI-USER>&nbsp;wrote:<BR />Great CLI from PenFed! I don’t want to rain on your parade but thought you might want to know before it’s too late that unless they’ve changed their policy PenFed will not upgrade a card to the Signature version when the CL reaches $5K. If you really want the Signature version you should call them and ask them to open a new card with the extra $6K they just gave you. I had a $ 2K Power Cash Rewards and got a CLI to $41K. I wasn’t really expecting that much of an increase. I had read here that they don’t upgrade to Signature so I asked the CSR about it and she checked with someone else and said it would upgrade. I double checked this site and many data points said no upgrades so I called back to double check and asked when they would be sending me the information on the upgraded benefits. They checked on it for me and came back and said they don’t actually upgrade to Signature version. So I asked and they allowed me to use the CLI amount to open a new card for $39K and keep the first one. So I have a Signature and non Signature version of the PCR’s Card. I wanted to let you know this because having the Signature version sounded important to you and I’m not sure if requesting a new card instead is time sensitive. I did not get a new HP to do this but YMMV. You would have to open a new account though so it probably will effect your score. Let us know what happens.<HR /></BLOCKQUOTE><P>You know, as much as I love PenFed, I hate PenFed.&nbsp; Ah well.&nbsp; I'd rather have a Navy Flagship Signature, anyway, for my travel habit. <img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" />&nbsp;&nbsp;</P>Wed, 24 Jul 2019 12:48:27 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5688598#M615594Kreditwuerdig2019-07-24T12:48:27ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5688772#M615627
<P>Congrats on that nice increase!!1</P>Wed, 24 Jul 2019 15:50:26 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5688772#M615627800FICOGoal2019-07-24T15:50:26ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5689437#M615722
Congrats to u Kredit 😉Thu, 25 Jul 2019 04:05:33 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5689437#M615722CreditWolf2019-07-25T04:05:33ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5692038#M616150
<P>Congratulations on the CLI!!! It sounds like its a win, win for you if they open another account for you. You will potentially&nbsp;get the benefit of an added trade line and per <A href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/952869" target="_self"><SPAN class="login-bold">Hex</SPAN></A>, no HP either... &nbsp;&nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P>Sat, 27 Jul 2019 20:18:42 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5692038#M616150HighAchiever2019-07-27T20:18:42ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5692079#M616155
<BLOCKQUOTE><HR /><LI-USER login="HighAchiever" uid="1065823"></LI-USER>&nbsp;wrote:<BR /><P>Congratulations on the CLI!!! It sounds like its a win, win for you if they open another account for you. You will potentially&nbsp;get the benefit of an added trade line and per <A href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/952869" target="_self"><SPAN class="login-bold">Hex</SPAN></A>, no HP either... &nbsp;&nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P><HR /></BLOCKQUOTE><P>That would be cool and definitely a confidence booster, but to be perfectly honest, I have no desire to get another credit card or tradeline.&nbsp; Like, I'm a teacher.&nbsp; And, granted, I'm at the top of the pay scale, but I figure having credit lines totaling just under half of my annual salary is more than sufficient.&nbsp;&nbsp;</P>Sat, 27 Jul 2019 20:50:18 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5692079#M616155Kreditwuerdig2019-07-27T20:50:18ZRe: PenFed CLI $1,500 -> $7,500https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5692197#M616182
<P>Congratulations on the HUGE CLI!!!</P>Sat, 27 Jul 2019 22:45:00 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-CLI-1-500-gt-7-500/m-p/5692197#M616182nuohlac2019-07-27T22:45:00Z